#85: Recently I’ve really started to notice the impact of inflation on daily spending. Have you? At first, it was just 1-2 things. Then it was a handful. Now it seems like everything is noticeably more expensive. (Assuming it’s even in stock in the first place.) Gas. Groceries. Takeout. Toiletries. Utilities. Car maint

#70: Last time, we talked about the pros and cons of the “yield shield” and the impassioned views on both sides of that debate. But what if you sidestep that entirely and generate your dividend yield through rental real estate instead? Unlike stock dividends, which can be cut by company management, rents are arguably w

#69: Last time we talked about using a “bond tent” strategy to reduce sequence risk in the years just before and just after retirement. In FIRE communities, an alternate strategy that has become popular is the “yield shield.” A yield shield strategy involves holding primarily investments that pay a high dividend yield.

#68: This week, in part 1 of a 3-part series on asset allocation, I talk with Karsten Jeske, CFA, about how to implement bond/equity glide paths, both leading into retirement and in the initial years after retirement. Getting your asset allocation right, and shrewdly changing its composition in the years just before an

#48: Seniors often enter retirement (a) thinking Medicare is free, and (b) not at ALL clear how the details work – rules, restrictions, limitations, costs. But it’s most certainly not free: your portion of costs could be unlimited and bankrupt you. And, like other healthcare matters in the US, “how it works” gets compl

#46: Most people know what life insurance is. But they tend to think of it as term life: fixed payments for 20-30 years that pay out a death benefit if you die before the term is up (while paying nothing if you outlive it). There’s another type of life insurance called permanent life insurance. It never expires. The mo